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Come join me in my quest to live a happier more frugal way of life, while enjoying the more traditional family values.

Monday, May 14, 2012

Today Debt Chased Me

I Got The Dreaded Phonecall Today

I mentioned a few posts ago that I was waiting to get Lawyers letters from the Companies which I still owe money too from the closing down of my Restaurant and today the Gas Company sent me their Lawyer's letter demanding final payment. I was expecting the letter and was even keen to get it so I could start putting a payment plan in place.

I phoned the Lawyer's right away and they put me straight through to their call centre, which was as usual overseas where once again I spoke with someone who had virtually no understanding of what had been the build up to me receiving the letter, nor cared. This female was so demanding she complained about the amount of time this money had been overdue and expected me to make huge payments. The amount is so overdue I tried to explain to her, because I have had to wait to hear from a recovery agency before I could start to make part payments and because I am not working I can only afford to pay $50 a fortnight. She was not happy to accept this but I was insistant and eventually she accepted my terms, but could not resist having one last go before we hung up. " And make sure you are never late with your payments " was her parting shot.

What makes people on the other end of a phone who have no idea of your financial situation treat you like something they just stood in ?? Am I going to have to go through the same thing for the Electricity account and the Telephone account ??

Anyway as from Thursday I wll start making my payments and I have made out a spreadsheet for them. According to my dates it will take me until January to pay this debt off, but I am going to put everything into making sure I pay it off quicker than that.

While on the subject of money I phoned the UK tonight to find out what is going on with my pension payments and when I can expect to receive them. If you remember I faxed them off my bank account details on the 3rd of this month. The lovely Lady on the end of the phone told me they did not receive my fax and could I give her the details over the phone and they would ring me back within a couple of days to let me know how it is going. So fingers crossed I get my pension this side of Christmas LOL

I am absolutely going to have to make sure that I bring in a little extra money every week in order to cover my debts. I don't care whether it's doing Tupperware parties, selling Avon or starting an Ebay business I just have to make this happen, any ideas ???

The Foxx and I have got $510 worth of bills, debts, fines and food money to be found by Thursday and only $450 available. Looks like the C/C will have to be used again, so we are not happy.

I recently had to deal with a collection agency on behalf of my OH,He owes the Inland revenue money and we had set a payment plan with them and i paid it like clockwork.It was then sold on and 1st we knew was when we received a letter through the post.He spoke to me like sh*t also demanded £1000 straight away, after lots of haggling and phoning again we went pack to our original payment plan and there parting words, keep this up or else.Good luck with your quest to earn morex

As if having the debt wasn't bed enough they have to compound it by treating you like sh-t! Proud of you though for sticking with your plan. You're only short $60 - can you stretch your food budget any further?

I have always wondered if treating people so badly really helps their bottom line. Don't let them win. You are better than them. You are trying your best to pay your debts and that makes you the better person. I, too, am proud of you!

Do you have anything that you can sell such as books, dvd's, c.d.'s? I have often thought about getting a morning paper route so that I would earn a little money and get some exercise in. Of course you don't earn a lot of money but it's more than you had when you started the day. I'll keep pondering but since we live in different countries, some of my ideas may not apply. While we didn't have a restaurant that we closed, back in 1988 when we had to move because of a job loss it took over a year to sell our old house, we had more expenses than income and it was very, very difficult. I know what that is like.

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About Me

When I first starting writing this blog I was working fulltime and trying to make up for a lot of bad financial decisions made over a large number of years.
I am now a full time housewife and carer to my aging MIL and on an aged pension so it is definitely too late to turn my finances around to the extent where I will be able to own a home again.
So let's make the best of a bad job and live as frugally and comfortably as possible for the rest of our lives.....